What is the Best Approach for I-Bonds in May 2023: Redeem and Buy More, Buy More, or Just Redeem?

4.30% annualized - including a surprise higher-than-expected 0.90% fixed rate. What does this mean for both short-term & long-term I-Bond investors? THAT’s what I’ll be covering in today’s video: 1. How this new annualized I-Bond rate of 4.30% is calculated 2. What your new rate will be depending on when you bought your I-Bonds 3. A quick recap of when I would redeem if I were a short-term I-Bond investor 4. How the higher-than-expected fixed rate changes our 2023 I-Bond plan as long-term I-Bond investors & 5. Who might consider redeeming 0% fixed rate I-Bonds to grab this new fixed rate WATCH NEXT ⭐ How I-Bond Interest Works: ⭐ Redeeming I-Bonds In 2023: ⭐ I-Bond Gifting 101: ⭐ I-Bonds vs TIPS 2023: SOURCES: 👉 Subscribe for all things inflation, Treasury bills, I-Bonds, investing & retirement! #jenniferlammer #bonds #fixedincomeinvesting ________ DISCLAIMER EVERYONE'S FINANCIAL JOURNEY IS DIFFERENT. YOUR PERSONAL FINANCIAL SITUATION IS UNIQUE. NEITHER DIAMOND NESTEGG, LLC, OUR WEBSITE, OUR YOUTUBE CHANNEL, OUR OTHER SOCIAL MEDIA CHANNELS, NOR THIS CONTENT & INFORMATION (THE “SERVICE”) ARE INTENDED TO PROVIDE FINANCIAL, LEGAL, TAX OR OTHER ADVICE. NO FINANCIAL DECISIONS SHOULD BE MADE SOLELY BASED ON THE SERVICE. THE SERVICE IS PROVIDED FOR INFORMATIONAL & ENTERTAINMENT PURPOSES ONLY & IS NOT INTENDED TO BE A SUBSTITUTE FOR ADVICE FROM A PROFESSIONAL FINANCIAL ADVISER OR QUALIFIED EXPERT. ALL OPINIONS & FORWARD-LOOKING STATEMENTS OF THE SERVICE EXPRESSED HEREIN ARE AS OF THE DATE OF PUBLICATION & SUBJECT TO CHANGE. IT IS YOUR RESPONSIBILITY TO VERIFY ALL INFORMATION YOURSELF. ANY INFORMATION PRESENTED BY THE SERVICE IS NOT AN OFFER TO BUY OR SELL, NOR A SOLICITATION TO BUY OR SELL ANY SECURITIES OR PRODUCTS MENTIONED. DIFFERENT INVESTMENTS HAVE VARYING DEGREES OF RISK & THERE IS NO ASSURANCE THAT THEY WILL BE SUITABLE FOR YOUR PORTFOLIO. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. ALWAYS CONSULT A QUALIFIED FINANCIAL, LEGAL, OR TAX PROFESSIONAL REGARDING YOUR SPECIFIC SITUATION. DIAMOND NESTEGG, LLC IS A REGISTERED INVESTMENT ADVISER IN THE STATE OF NEW YORK AND OTHER STATES WHERE IT IS EXCLUDED OR EXEMPTED FROM REGISTRATION REQUIREMENTS. REGISTRATION AS AN INVESTMENT ADVISER DOES NOT CONSTITUTE AN ENDORSEMENT FROM SECURITIES REGULATORS. DIAMOND NESTEGG, LLC RECEIVES COMPENSATION FROM YOUTUBE FOR THE PRESENCE OF ADVERTISING BEFORE, AFTER, AND DURING THIS VIDEO CONTENT AS WELL AS VIA YOUTUBE’S SUPER THANKS FEATURE. DIAMOND NESTEGG, LLC DOES NOT CONTROL THE CONTENT OR PRESENCE OF ANY ADVERTISEMENTS. THE PRESENCE OF ANY ADVERTISEMENT DOES NOT CONSTITUTE AN ENDORSEMENT OF THE AD, COMPANY, ENTITY, OR PRODUCT BY DIAMOND NESTEGG, LLC. ---------- CONTENT DISCLAIMER THE VIEWS & OPINIONS EXPRESSED THROUGH THE SERVICE ARE SOLELY THOSE OF DIAMOND NESTEGG, UNLESS OTHERWISE SPECIFICALLY CITED. MATERIAL PRESENTED IS BELIEVED TO BE FROM RELIABLE SOURCES & NO REPRESENTATIONS ARE MADE BY DIAMOND NESTEGG AS TO OTHER PARTIES' INFORMATIONAL ACCURACY OR COMPLETENESS. ALL INFORMATION OR IDEAS PROVIDED SHOULD BE DISCUSSED IN DETAIL WITH A QUALIFIED ADVISER, TAX OR LEGAL PROFESSIONAL PRIOR TO IMPLEMENTATION. OUR YOUTUBE CHANNEL MAY PROVIDE LINKS TO THIRD-PARTY WEBSITES FOR YOUR CONVENIENCE. WE HAVE NO CONTROL OVER THE ACCURACY OR CONTENT OF THESE LINKS. THE COMMENTS ON THIS CHANNEL, AND OUR OTHER SOCIAL MEDIA CHANNELS, ARE THOSE OF THE CREATORS & DO NOT NECESSARILY REFLECT THE VIEWS & OPINIONS HELD BY DIAMOND NESTEGG, LLC. DUE TO THE SOCIAL NATURE OF THE SERVICE, THESE VIDEOS MAY CONTAIN CONTENT COPYRIGHTED BY ANOTHER PERSON OR ENTITY. DIAMOND NESTEGG, LLC CLAIMS NO COPYRIGHT TO SAID CONTENT & CANNOT BE HELD ACCOUNTABLE FOR THE COPYRIGHTED CONTENT. DIAMOND NESTEGG SHARES & STRIVES TO VERIFY INFORMATION BUT CANNOT WARRANT THE ACCURACY OF COPYRIGHTS OR COMPLETENESS OF THE INFORMATION ON OUR SERVICE. ANY COPYRIGHTED MATERIAL SHARED ON THIS SERVICE IS INTENDED TO BE SHARED BY FAIR USE. IF YOU HAVE A COMPLAINT ABOUT THE USE OF COPYRIGHTED MATERIAL, PLEASE CONTACT DIAMOND NESTEGG PRIOR TO MAKING A COPYRIGHT CLAIM. ANY INFRINGEMENT IS UNINTENTIONAL & WILL BE RECTIFIED TO ALL PARTIES' SATISFACTION. PLEASE REFER TO OUR TERMS OF SERVICE & PRIVACY POLICY LINKS FROM OUR WEBSITE FOR MORE INFORMATION....(read more)

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LEARN MORE ABOUT: Treasury Inflation Protected Securities REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing

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Should I Redeem & Buy More I-Bonds, Just Buy More OR Just Redeem My I-Bonds (May 2023 I-Bond Rate) Investing is a key aspect of financial planning, and with a plethora of options available in the market, it is crucial to make informed decisions. One such investment option that often grabs attention due to its unique features and potential returns is the I-Bond. I-Bonds are a type of savings bond issued by the U.S. Department of the Treasury, providing individuals with a safe and inflation-protected investment opportunity. As an investor, you might be pondering over the question of whether to redeem and purchase more I-Bonds, simply buy more I-Bonds, or just redeem your existing bonds in light of the May 2023 I-Bond Rate. To make an insightful decision, it is essential to understand the key factors associated with I-Bonds and their performance. One aspect to consider is the current I-Bond rate. The May 2023 I-Bond rate announced by the U.S. Department of the Treasury is composed of two components: a fixed rate and an inflation rate. The fixed rate, determined at the time of purchase, remains fixed for the duration of the investment. On the other hand, the inflation rate is adjusted twice a year in May and November based on changes in the Consumer Price Index for All Urban Consumers (CPI-U). To evaluate whether to redeem or buy more I-Bonds, you should assess the current fixed rate and compare it with the rates of other investment options. In May 2023, the fixed rate for I-Bonds stands at 0.0%. If you believe that alternative investments offer higher fixed rates, it may be worth considering redeeming your I-Bonds and exploring those options. However, I-Bonds provide an attractive feature that sets them apart from traditional investments: protection against inflation. The inflation rate, set at 1.77% from May to October 2023, ensures that the return on I-Bonds adjusts with the changing purchasing power of the U.S. dollar. Consequently, I-Bonds can serve as a hedge against inflation, which may be advantageous in times of rising prices. If you are currently holding I-Bonds with a fixed rate that exceeds what other investment options offer, buying more I-Bonds might be a good strategy. By doing so, you can benefit from the inflation protection and maintain a satisfactory fixed return. Additionally, bear in mind that I-Bonds have a purchase limit of $10,000 per calendar year per Social Security Number, meaning you shouldn't exceed this limit when buying more I-Bonds. On the other hand, if you believe that the current fixed rate on I-Bonds falls short of your expectations and alternatives seem more promising, redeeming your I-Bonds could be a suitable option. However, it's important to weigh the potential earnings you would give up due to the loss of inflation protection. If you decide to redeem your I-Bonds, keep in mind that you must have held them for at least 12 months before you can redeem them. Ultimately, the decision to redeem and buy more I-Bonds, buy more I-Bonds, or redeem your existing bonds should align with your personal financial goals and risk tolerance. Carefully evaluate the fixed rate, consider the inflation protection feature, and compare it against other investment possibilities. Additionally, consult with a financial advisor who can provide personalized guidance based on your unique circumstances. In summary, the decision regarding I-Bonds can be influenced by the May 2023 I-Bond rate, fixed rate, and inflation protection. Assess your current situation, compare options, and make an informed decision that best fits your financial needs. Remember, investing should always be approached with a long-term perspective, keeping your goals and risk tolerance in mind. https://inflationprotection.org/what-is-the-best-approach-for-i-bonds-in-may-2023-redeem-and-buy-more-buy-more-or-just-redeem/?feed_id=136340&_unique_id=65048bcdb1b6f #Inflation #Retirement #GoldIRA #Wealth #Investing #ibondfixedrate #ibondgiftbox #Ibondinterestrate #ibonds #ibonds2023 #ibonds2023may #may2023ibondfixedrate #may2023IBondrate #May2023IBondRateShouldIRedeemMyIBondsBuyMoreIBondsORRedeemThenBuyMore #seriesisavingsbonds #shouldibuyibondsin2023 #shouldibuyibondsnow #shouldibuymoreibonds #shouldiredeemibonds #shouldiredeemoldibondstobuymoreibonds #whenshouldibuyibonds #whenshouldiredeemmyibonds #TIPSBonds #ibondfixedrate #ibondgiftbox #Ibondinterestrate #ibonds #ibonds2023 #ibonds2023may #may2023ibondfixedrate #may2023IBondrate #May2023IBondRateShouldIRedeemMyIBondsBuyMoreIBondsORRedeemThenBuyMore #seriesisavingsbonds #shouldibuyibondsin2023 #shouldibuyibondsnow #shouldibuymoreibonds #shouldiredeemibonds #shouldiredeemoldibondstobuymoreibonds #whenshouldibuyibonds #whenshouldiredeemmyibonds